things like the fiscal cliff as an excuse, because they've got a lot of money in the bank, they're making profits, they don't have to hire. but this time, if thbfiscal cli this is real serious. and people who say, oh, congress will fix it at the last minute. it's not good for america to fix things the last minute, because people are making plans right now for next year. >> especially in a situation like that. you're always thinking, fiscal cliff, we've got time, we've got time. but you're saying. >> there's no time. >> one thing -- well, two things. one thing about the fiscal cliff, though. i want people to be aware, next year the payroll tax holiday is going to go away, so you'll get a little bit less out of your paycheck. maybe $45 less. so a lot of things are changing for your money. it's really important. the one thing you need to know about your money today, futures are signaling a higher open for stocks. how it ends, though, today, depends on the economic data. looking up for housing and confidence. we'll get durable goods, jobless claims, and housing sales.